(Please note: Rehabs.com strives to provide you with the most updated information on each carriers' addiction insurance coverage but policy changes and errors do occur. Please check with your insurance carrier directly to confirm coverage levels. Rehabs.com is an informational site only and is not affiliated or sponsored by Blue Cross Blue Shield.)
Does Blue Cross Blue Shield Insurance Cover Treatment for Video Game Addiction?
Excessive video gaming is becoming increasingly recognized by medical professionals as a compulsive disorder. Although this is a relatively new condition, some Blue Cross Blue Shield insurance plans might cover treatment for compulsive gaming, depending on the policy and level of care needed. A video game addiction might be treated by mental health professionals as a co-occurring disorder with depression or other psychological condition(s). The amount of treatment your insurance pays for will depend on the mental health benefits outlined in your policy.
Type of Rehabs Blue Cross Blue Shield Will Pay For
Every Blue Cross Blue Shield insurance plan is different. Some cover inpatient and/or outpatient treatment for behavioral addictions like compulsive gaming. Many insurance providers recognize the importance of receiving mental healthcare, but may not cover treatment facilities with high-end amenities or extended inpatient stays at a residential facility. Check your policy documents, insurance website, or with your plan administrator to get a better understanding of what is specified in your plan.
How Much of the Treatment Costs Will Be Covered?
The answer to this questions depends on whether your chosen treatment provider is in the Blue Cross Blue Shield network. Care from in-network providers is always covered at a higher percentage than out-of-network doctors and facilities. To maximize the amount of cost covered by your insurance plan, be sure to stick with an in-network treatment program. You may also be able to receive insurance coverage for other mental health issues, like depression, that coincide with your video game addiction.
Can I Cover Above What My Blue Cross Blue Shield Will Cover?
Patients are always able to use their own financial resources to pay for the treatment sessions that are not covered by insurance. Depending on the length and intensity of care needed to fully treat their condition, they may be required to pay out of pocket. If your insurance policy does not cover the specific rehab program you're interested in, there are other ways to finance your treatment, including paying out-of-pocket or finding facilities that offer financing or scholarships.
What Treatment lengths will Blue Cross Blue Shield Pay For?
You will need to look at the specifics of what your policy coverage entails to know what treatment lengths Blue Cross Blue Shield will pay for. Depending on the severity of your addiction and related mental health and behavioral disorder problems, you may require a 30-, 60- or 90-day treatment program. If a medical counselor, rehab staff person or doctor deems longer stays necessary to your recovery, you might be able to obtain coverage for longer than 90 days. However, as video game addiction is not well-established as a diagnosable disorder, the length of stay covered may be shorter than that covered for more well-known addictions, such as cocaine, heroin or alcohol addiction.
Inpatient Addiction Therapy vs. Outpatient Therapy
"The amount of treatment your insurance pays for will depend on the mental health benefits outlined in your policy."
Video games are wildly popular, which can make it difficult for a compulsive gamer to get their habit in check without professional help. For those who have no control over their gaming, inpatient addiction therapy, in which the patient lives 24/7 at a rehab facility, helps by completely cutting off their access to video games. Even if the patient is not being treated for video game addiction at an inpatient facility but rather is being treated for mental health issues, such as depression, the seclusion from video games can help the patient overcome his addiction.
Outpatient therapy, on the other hand, allows the patient to live at home between scheduled treatment appointments. This is best for patients who have some control over their compulsions and are not as likely to succumb to their addiction between appointments.
Should I Choose a Residential Rehab Center?
Choosing a residential rehab center can be beneficial if you have a prolonged, severe and life-consuming addiction to video games. At a residential rehab center, you can be treated for behavioral and mental health disorders related to your addiction, all while being separated from access to video games. Consider a residential rehab center if you need intensive care to overcome your addiction, and check your Blue Cross Blue Shield plan to see if you will be covered.
Will Blue Cross Blue Shield Pay for Local Rehab and Out of State Treatment?
Blue Cross Blue Shield plans cover designated treatment performed by in-network doctors and clinicians. This means that you can potentially receive coverage regardless of whether the rehab facility is local or out of state, as long as it is in the BCBS network. The locality of your rehab facility is largely a point of personal preference; if you want additional privacy and don’t mind traveling, an in-network, out-of-state facility might be best for you.
Does Blue Cross Blue Shield Pay for Private or Luxury Treatment?
Luxury amenities come with a price tag, and that additional cost isn't typically covered by insurance programs, although it's worth checking your specific policy to make sure. Many patients find that a private room and hotel-like atmosphere help them focus on their mental health and devote their personal efforts completely to their recovery.
What does Executive Treatment Offer Over Other Rehabs?
Executive treatment rehabs are designed around the working professional who has a lot of career responsibilities. In addition to providing enhanced amenities, executive treatment centers offer patients the ability to perform certain work tasks while receiving treatment. Through these centers, executives can get healthy without giving up their career responsibilities.
What if I Have No Insurance?
There are always options for you, even if you don’t have insurance. There are some facilities that offer free help for addictions and behavioral disorders, and others will work with patients to finance their care. You can also look into enrolling in Obamacare to become ensured. If your video game addiction is consuming your life, do not lose hope just because you don’t have insurance. Ask a doctor, counselor or other expert about ways to finance your treatment and get healthy.
Questions and Answers
- Will Blue Cross Blue Shield Cover Multiple Stays?
This depends on your specific plan, but you should receive some coverage for multiple stays if they are necessary to get healthy.
- Does Insurance Pay for Aftercare?
If aftercare therapy is a medically necessary part of your care, then it might be covered by your Blue Cross Blue Shield plan. Be sure to check your policy before you begin treatment.
- Could Rehab Make my Insurance Higher?
Using covered benefits should not cause an immediate increase in premiums. Do not let this worry prevent you from seeking care.
- Has the Affordable Care Act (Obamacare) Affected Substance Abuse and Mental Health Insurance Coverage?
Obamacare is helping to expand substance abuse and mental health insurance coverage. It has provided options for people without insurance and has forced insurance companies to cover mental health and addiction treatment.